Dock you worries and set sail with our boat insurance

Boat insurance is a crucial form of financial protection for boat owners in Spain. With a large coastline and many popular boating destinations, it is essential to have adequate insurance coverage to protect against the risks of accidents or damage to the vessel.

When selecting a boat insurance policy in Spain, it is important to consider the type of boat, its value, and the intended use. For example, a small dingy  requires a different type of insurance policy than a larger, more expensive yacht. In addition, the policy should reflect how the boat will be used, such as for leisure or commercial purposes.

Like most insurance policies, boat insurance premiums in Spain are determined based on several factors, including the value of the boat, the age of the vessel, the boater's driving record, and the risk of accidents or damage in the intended location or areas where the boat will operate.

Boat owners in Spain must also comply with certain legal requirements regarding boat insurance. For instance, boats used for commercial purposes typically require a higher level of insurance coverage than recreational vessels. Certain types of boats, such as personal watercraft or jet skis, may also require a specialised insurance policy tailored to their specific use.

In summary, boat insurance is an essential form of financial protection for boat owners in Spain. With a variety of policies and options available, it is crucial to select a policy that meets the needs of the individual boater and provides adequate coverage for the vessel and any potential liabilities.



  • Public liability
  • Personal accidents
  • Fire
  • Theft
  • Total Loss
  • Ship abandonment



  • Public liability
  • Personal accidents
  • Fire
  • Theft
  • Total Loss
  • Ship abandonment

What's Included ?

Liability coverage:
Provides financial protection in case your boat causes damage to someone else's boat, or injury to other people while operating your boat. The expenses that are usually covered under liability coverage include medical bills, damage to property and injuries resulting from the use of your boat.
Hull coverage:
Insures your boat against accidental damage, destruction, or loss. Hull coverage typically covers damages caused by fire, theft, vandalism, collision with other boats and natural disasters including storms and lightning.
Personal injury protection:
Offers financial security and compensation in the event of injury to you, your passengers, or third-party guests physically aboard your vessel.
Natural disaster protection:
Most Spanish boat insurance policies typically provide coverage against natural disasters, such as hurricanes, storms, and flooding, which can cause damage to your boat.
Additional coverage
May include wreck removal coverage, emergency towing, and replacement cost coverage, which covers the cost of replacing your boat if it is completely destroyed.

Why choose The Insurance Centre?

  • 30 years experience
  • Best prices in Spain
  • Dedicated 24/7 customer support
  • Flexible & extensive range of insurance products
  • Multi-lingual customer service agents
  • Award-winning agent


FAQs on Boat Insurance

Who can sail my boat in Spain?
In Spain, laws require that a skipper must be licensed to operate a vessel that is over a certain size or has a certain horsepower. According to Spanish law, anyone who operates a boat with an engine of more than 15 horsepower, or a boat that is more than 5 metres long must have a valid licence. Therefore, if your boat is larger than 5 metres in length or has an engine of more than 15 horsepower and you do not have a valid marine licence, it is illegal for anyone, including a friend or family member, to operate your boat in Spanish waters.
What is Nautical assistance ?
Spanish Nautical Assistance is a service offered by many insurance companies in Spain for boat owners. It provides assistance in case of an emergency or breakdown while on the water.

What is typically included in Spanish Nautical Assistance:

Towing: If your boat breaks down or becomes disabled while out on the water, towing assistance can be provided to bring your boat to a repair facility or to a safe harbour.

Salvage and Wreck Removal: In the case of an accident or collision, Salvage and Wreck Removal services can be provided to safely remove the boat from the water.

Information Assistance: Spanish Nautical Assistance can provide navigational, weather, and local information and assistance while you're on the water.

Overall, Spanish Nautical Assistance is designed to give boat owners peace of mind knowing that help is available in case of an emergency while out at sea. Note, however, that the exact coverage may vary depending on the plan you choose, so it's essential to read the policy's terms and conditions carefully to understand what is included and what is not.
Is my GPS system insured in my boat ?
Spanish boat insurance policies may include coverage for electronic equipment that is permanently fixed to the boat, such as GPS devices, fish finders, and other navigational systems, as part of the boat's hull coverage. In this case, if the boat suffers damage due to an insured peril, the permanently fixed equipment may be included as part of the overall claim limit

It is essential to read the terms and conditions of your insurance policy carefully to know specifically what is included and excluded. Moreover, it's better to ask your insurer directly to know what level and type of coverage your GPS device has under your policy
Am I covered for water skiing?
You are not automatically covered for water skiing so if you are going to be waterskiing or do any other similar types of water sports you need to request that it is included on your policy

You must have the correct level of insurance in place for any sports that have a high level of risk.

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